SBA personal guarantee rules for investors

Can someone comment on the following hypothetical scenarios?

Searcher takes out an SBA loan and signs a PG. There are 4 other investors who own 15% each, none of them sign a PG.

Scenario 1: Six months after close, the searcher raises additional equity from one of the existing investors to grow the company more quickly. This increases the investor’s ownership stake to 30%. Would the investor be required to sign a PG in this scenario? How would the SBA even know?

Scenario 2: One of the investors also provides convertible debt in addition to buying a 15% equity stake. The debt can be converted to an additional 20% on a fully diluted basis, but only after the SBA loan is repaid. Will the investor be able to avoid a PG?